Car Insurance in Northern Cyprus

We answer questions about vehicle insurance in Northern Cyprus — whether it is mandatory, how much it costs, what the penalty is for not having it, and other important details.

• Car Insurance in Northern Cyprus
• How Much Does It Cost to Insure a Car?
• Insurance Payouts in the TRNC
• What to Do in Case of an Accident
• Frequently Asked Questions

Car Insurance in Northern Cyprus

Third Party Insurance, similar to compulsory motor insurance (OSAGO), is mandatory for all car owners in Northern Cyprus. This type of insurance covers compensation for damage, death, and injuries caused to third parties by your vehicle in the event of a road accident.

You can obtain insurance from any insurance company by searching for "sigorta" or "trafik sigorta."

How Much Does It Cost to Insure a Car in Northern Cyprus?

The cost of car insurance depends on several factors, including:

• Your age,
• The age of your car,
• Your car's engine capacity,
• Your previous insurance history.

Additionally, there are two main types of insurance policies:

• Named Driver Policy – covers only specific drivers listed on the policy (cheaper option).
• Any Driver Policy – covers any driver legally allowed to operate the insured vehicle (more expensive option).

Here are some examples from users of the largest Northern Cyprus Telegram Forum. The first example shows the minimum insurance cost:

• 2,380 TL with a 7-year accident-free driving record.
• Güven Sigorta, insured in early September, Toyota RAV4 2020, £63. Capital Insurance, price 1,100 TL, Polaris 2019 quad bike.

Insurance Payouts in the TRNC

Standard third-party insurance includes medical coverage of 8 million Turkish lira if you injure a third party in an accident involving a private vehicle and 15 million Turkish lira for commercial vehicles.

The basic damage coverage for another vehicle is up to 500,000 Turkish lira. However, this amount can be increased with an additional premium.

What to Do in Case of an Accident

If you are involved in an accident, you must immediately call the police to the scene and not move the vehicle until they arrive. A breathalyzer test must be conducted within 60 minutes of the accident. Repairs should only begin after an accident officer has inspected the scene and the insurance company has given approval.

Frequently Asked Questions About Car Insurance in Northern Cyprus

What is the fine for not having insurance?

Following the increase in the minimum wage from January 1, 2025, the fine is 10,867 TL. It is calculated as 25% of the official gross minimum wage before taxes.

What does basic insurance cover?

It covers damage to third parties and towing services for the insured vehicle.

When should I report an accident?

A claim must be filed within 24 hours of the damage occurring to the vehicle.

You can always ask additional questions in the Telegram chat "AutoCHAT", where more than 20,000 users can give you advice.